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Mathematically ranked · हिन्दी

Best fuel credit cards in India

If fuel is your biggest monthly expense, the right credit card can save you ₹6,000–12,000 every year through cashback, reward points and surcharge waivers. We ran the numbers for a typical ₹6,000/month fuel spend.

Last updated: August 2026 · Based on current card terms
IDFC FIRST
POWER PLUS
ASHOK KUMAR
SBI
BPCL CARD OCTA
ASHOK KUMAR
RBL
INDIANOIL XTRA
ASHOK KUMAR
Top 3 cards for your spend
1
Best overall
RBL Bank IndianOil XTRA Credit Card
RBL Bank
₹3,900Annual benefit
15 Fuel Points per ₹100 at select IndianOil fuel stations (capped at 2,000 points per month) and 2 Fuel Points per ₹100 on other eligible spends; a Fuel Point is worth ₹0.50 when converted to IndianOil XTRA Rewards and used at an IndianOil pump, but only ₹0.10 if redeemed on RBL's own rewards portal - so the real return is 7.5% on IndianOil fuel and 1% elsewhere at the best redemption rate, dropping to 1.5% and 0.2% via the portalReward rate
₹1,500 + GST (waived on ₹2.75L annual spend)Annual fee

The RBL Bank IndianOil XTRA Credit Card is one of the strongest fuel cards we track on paper, giving a real 7.5% return on IndianOil fuel, but only if you redeem points through IndianOil XTRA Rewards at an IndianOil pump, since the same points are worth five times less on RBL's own portal. It suits people who already fill up at IndianOil regularly and will use the points there; for everyone else, a 1% return on other spends and a ₹1,500 fee make it a poor all-round card.

15 Fuel Points per ₹100 at select IndianOil fuel stations, a real 7.5% return when redeemed via IndianOil XTRA Rewards at an IndianOil pump2 Fuel Points per ₹100 on other eligible spends, a real 1% return at the same best redemption rate3,000 Fuel Points welcome bonus (worth ₹1,500 at the best rate, matching the annual fee) on a ₹500+ purchase within 30 days, once the fee is paid
Min income: Not publicly specified (age 21-70)
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2
Runner up
BPCL SBI Card Octane
SBI Card
₹3,721Annual benefit
7.25% value back on BPCL fuel (6.25% as reward points + 1% surcharge waiver); 2.5% on dining, grocery, movies; 1 RP/₹100 on othersReward rate
₹1,499 + taxes (waived on ₹2,00,000/year spend)Annual fee

The BPCL SBI Octane is the best fuel credit card in India for BPCL users. At 7.25% value back on BPCL fuel, anyone spending ₹4,000+/month on BPCL petrol will recover the annual fee within months. The 2.5% on dining and grocery adds everyday value.

25X reward points per ₹100 at BPCL fuel pumps (6.25% value back, capped 2,500 RP/month)1% fuel surcharge waiver on BPCL transactions (up to ₹4,000/transaction, max ₹100/month)10X reward points per ₹100 on dining, departmental stores, grocery and movies (2.5% value back)
Min income: ₹25,000/month (salaried)
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3
Also consider
IDFC FIRST Power Plus Credit Card
IDFC FIRST Bank
₹3,101Annual benefit
5% on HPCL fuel (30 RP per ₹150, capped ₹12,000/month); 5% on grocery and utility; 0.5% base; RuPay networkReward rate
₹499 + taxes (waived on ₹1,50,000/year spend)Annual fee

The IDFC FIRST Power Plus is the best HPCL fuel card in India for users spending ₹5,000–12,000/month on HPCL fuel. The 5% combined with HP Pay taking it to 6.5%, plus 5% on grocery and utility at ₹499 fee (easily waived) makes it exceptionally strong. It directly competes with ICICI HPCL Super Saver and wins on higher caps.

30 reward points per ₹150 on HPCL fuel transactions (1 RP = ₹0.25; 5% effective; capped ₹12,000/month)Additional 6 Happy Coins per ₹100 on HP Pay app fuel spends (1.5% more, effective 6.5% combined)30 reward points per ₹150 on grocery and utility bill payments (5% effective; capped ₹2,000/month)
Min income: ₹20,000/month (salaried)
Apply now ↗ Full review →

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Card reviews
RBL Bank IndianOil XTRA Credit CardHeavy IndianOil fuel spenders who will redeem points at IndianOil pumps, not those wanting flexible cashbackYES Bank ACE Credit CardEveryday online shoppers wanting a low-fee, easily-waived entry card with a straightforward tiered reward structureRBL Bank SalarySe UP Credit CardUPI-heavy spenders on the SalarySe platform wanting a fully virtual, low-fee RuPay cardCUB SalarySe Level UP Credit CardSalaried, UPI-heavy spenders wanting lounge access and the strongest rewards around salary days
How we picked these cards

We calculated the net annual benefit for every card in our database using verified reward rates on a typical fuel spend profile, then ranked by net benefit after subtracting the annual fee. Cards with waivable fees were evaluated at zero cost if the spend threshold is realistic.

What to look for in a fuel credit card

Beyond the headline reward rate, check whether the card has a monthly cap on cashback, whether the reward is actual cashback or redeemable points, and whether the annual fee is waivable at your spend level.

Should you get more than one card?

Many smart spenders hold 2 cards: one optimised for their top category and one flat-rate card for everything else. Use our personalised tool to find the best combination for your full spend profile.

Frequently asked questions
Based on our analysis of 120+ Indian credit cards, RBL Bank IndianOil XTRA Credit Card is the best fuel credit card in India, offering ₹3,900 annual benefit on a typical spend profile.
Among fuel credit cards, lifetime free options include cards like IDFC FIRST Millennia, Scapia Federal and HSBC Visa Platinum. Use our tool above to find the best zero-fee card for your spend profile.
We rank fuel credit cards by calculating the exact annual rupee benefit using hardcoded, verified reward rates, not AI-generated estimates. Every card is scored on a realistic monthly spend profile for this category, with the annual fee subtracted to show net benefit.
A fuel-specific card makes sense if you spend heavily in that category every month. If your spending is spread across multiple categories, a flat cashback card like Axis ACE (1.5% on everything) may deliver better overall returns. Use our personalised tool to compare both for your actual spend.
Yes. When you click "Apply now" on Faayda, you are taken directly to the bank's official website or application page. Faayda does not collect your personal or financial information. We may earn a referral fee on approved applications. This never influences our rankings.